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Investor Presentaiton

3Q 2023 Performance Highlights Robust net income from increased solid financing growth and healthy credit quality Robust financing growth SAR Bn from Wholesale financing and Retail financing, 595.7 SAR Bn > 261.9 SAR Bn > 315.6 < +9% YTD +13% YTD +8% YTD Solid CASA growth SAR Bn 455.7 < +6% YTD including Mortgage financing SAR Bn 156.3 +10% YTD SNB though moderating CASA ratio but comfortable SAMA LDR with strong and stable liquidity. > 72.9% > 78.2% LCR 278% 282% > 116% ✓ -240bps YTD NSFR -438bps YTD O 113% 4Q 22 3Q 23 Despite moderating NSCI margin healthy credit & top-quartile efficiency leading to robust net income³ growth and superior returns. CIR¹ -O 27.7% ROTA 3.07% 27.2% O 0.39% SAR Mn 15,047 2.05% 2.12% COR² -6bps YoY 9M 22 O 0.12% 9M 23 < +9% YOY ROTE 16.8% 17.5% 9M 22 9M 23 SNB | 3Q 2023 | Investor Presentation 1 CIR excluding amortization of intangibles | 2 CoR including POCI | 3 Net Income Attributable to Equity Holders 19

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